Business Insurance
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Insuring Your Home Business Sep 5, 2008
If you have recently started your own business and work out of your home, you'll probably need to upgrade your insurance program. At-home business owners often make the mistake of assuming that their homeowners policy covers their business equipment. In fact, your homeowners policy may include little or no coverage for your business property and business liability exposure. |
Key Employee Life and Disability Insurance Sep 5, 2008
You've got a great group working for you now, and business is good. You know that much of that success is due to one or two key people with both skills and personalities that are hard to match. Suppose they were injured and out of work for a while, or suppose they died? Would your business survive? Key employee life and disability insurance coverage can help make sure that it does. |
Life Insurance for the Self Employed Sep 5, 2008
If you're like most people, you bought life insurance to provide for your loved ones in the event of your death. But because you're self-employed, you may have an even greater need for life insurance: You'll want to protect your family after you die, as well as protect the financial needs of your business. |
Offering Group Disability Insurance Sep 5, 2008
Group disability insurance is a single disability policy that covers many people (a group) who have a common interest or association, such as an employer, a trade, or a school affiliation. When your business offers a group disability plan to its employees, it must choose a specific range of coverage, a funding method for the plan, and the eligibility criteria for participants. The cost of group coverage is often less expensive than the cost of individual coverage, making it an attractive benefit for employees. |
Professional Liabiltiy Coverage Sep 5, 2008
Professional liability coverage protects you if you're sued for the work or advice provided by your business. You may also hear this coverage referred to as errors and omissions insurance or malpractice insurance. In more legalistic terminology, professional liability insurance covers you for things like breach of duty, negligence, misstatement, omissions, and wrongful acts. |
Understanding Your Business Owners Policy Sep 5, 2008
If you're a business owner, you probably carry insurance for financial protection and peace of mind. You don't need to be an expert on this type of insurance, but you should have a basic understanding of your own business owners policy (BOP). A little bit of knowledge may come in handy when you have to file a claim.
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